Precious Metals IRA | Gold, Silver, Platinum, Palladium

What We Offer

Everything You Need in One Precious Metals IRA

A self-directed Precious Metals IRA lets you hold IRS-approved physical metals inside the same tax shelter as a traditional retirement account.

What Is a Precious Metals IRA?

A self-directed IRA that holds physical gold, silver, platinum, or palladium instead of — or alongside — stocks and bonds. Governed by the same IRS rules as a traditional IRA.

Tax Advantages

Contributions to a Traditional Precious Metals IRA may be tax-deductible. A Roth version offers tax-free growth and tax-free withdrawals in retirement.

IRS-Approved Metals

Not every coin qualifies. The IRS requires specific purity minimums: 99.5% for gold, 99.9% for silver, and 99.95% for platinum and palladium.

Secure Storage

IRS rules require your metals be stored at an approved depository — not at home. We partner with Delaware Depository and Brink's Global Services.

How to Get Started

Open Your Precious Metals IRA in 4 Simple Steps

From your first call to fully funded account, most clients complete the process in 7–10 business days with zero out-of-pocket cost for the rollover.

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1

Choose Your IRA Type

Traditional (pre-tax), Roth (post-tax), or SEP IRA. Our specialists help you choose the right structure for your tax situation.

2

Fund Your Account

Roll over an existing 401(k), 403(b), or IRA — or make a new contribution. Direct rollovers are tax-free and penalty-free.

3

Select Your Metals

Choose from our curated selection of IRS-approved gold, silver, platinum, and palladium coins and bars.

4

Secure Storage & Ongoing Support

Your metals are shipped directly to an IRS-approved depository. Your dedicated specialist remains available for ongoing guidance.

Common Questions

Precious Metals IRA FAQ

Can I roll over my existing IRA or 401(k) into a Precious Metals IRA?

Yes. You can roll over a Traditional IRA, Roth IRA, 401(k), 403(b), TSP, or most other qualified retirement plans into a Precious Metals IRA without incurring taxes or penalties, as long as you complete a direct rollover or trustee-to-trustee transfer.

What metals are allowed in a Precious Metals IRA?

The IRS allows gold (minimum 99.5% purity), silver (99.9%), platinum (99.95%), and palladium (99.95%). Common approved coins include the American Gold Eagle, American Silver Eagle, American Platinum Eagle, and American Palladium Eagle, among others.

What are the fees associated with a Precious Metals IRA?

Fees typically include a one-time account setup fee, an annual custodian fee, and an annual storage fee at the depository. Universal Gold Group provides full fee transparency upfront. Many clients find these costs offset by the protection and diversification benefits.

Can I take physical delivery of my metals?

While your metals are in your IRA, they must remain at an IRS-approved depository. However, once you reach retirement age (59½), you may take an in-kind distribution and receive your physical metals directly — or sell them and take a cash distribution.

Protect Your Retirement with a Precious Metals IRA